PCB Mobile (Payne County Bank) API integration services

Accounts & balances

The app's "Accounts" tab returns product type (DDA, savings, CD, loan), available and ledger balance, last-statement date and hold amounts. We expose these as a GET /accounts endpoint that matches the FDX Accounts.get payload, so downstream ERPs can ingest a community-bank account alongside larger FIs without schema translation.

Transaction search

PCB Mobile lets customers search transactions by date, amount, or check number. We wrap that search under a paged GET /accounts/{id}/transactions with from_date, to_date, min_amount, max_amount, check_number and cursor. Typical use: nightly reconciliation against a QuickBooks or Xero ledger for small-business customers of the bank.

Transfers

Internal transfers between a customer's own Payne County Bank accounts become a POST /transfers call with idempotency keys and a webhook confirmation. Supports scheduled and recurring transfers for cash management use cases such as payroll sweep accounts.

Bill Pay & Payees

The Bill Pay module covers listing scheduled and historical payments, plus full payee CRUD (add, edit, delete) — surfaced as /billpay/payments and /billpay/payees. Accounting teams use this for vendor-payment reporting and reversing duplicates without logging into the mobile UI.

Mobile check deposit

Remote deposit capture — documented by the bank with a $1 minimum, $5,000 daily and $10,000 per 30-day ceiling — is automated via a POST /deposits endpoint that accepts front/back images (base64) plus amount and account ID, and returns deposit state (pending, accepted, rejected) along with hold-release dates.

Biometrics & session

Touch ID / Face ID and one-time PIN on the app side map to a refresh-token flow on the server side. Our adapter keeps customer-supplied device bindings, so sensitive actions (transfer, new payee) require explicit re-authorization before the server will release a new access token.

1. Small-business bookkeeping sync

Context: A Perkins-area small business keeps operating and payroll accounts at Payne County Bank and uses QuickBooks Online. Data / API: /accounts + paged /transactions filtered by from_date. OpenData mapping: output fields map one-to-one to the FDX Transactions resource, so the same ingestion pipeline also ingests Chase or BofA data later. Outcome: daily reconciliation without manual CSV download.

2. Loan origination & underwriting

Context: A lender needs 12 months of statements to assess an SBA applicant. Data / API: /statements?account_id=…&months=12 returns signed PDF URLs plus parsed transaction arrays. OpenData mapping: consent capture follows CFPB Section 1033 Personal Financial Data Rights: the data recipient records a scoped, time-bound authorization before any pull.

3. Accounts-payable automation

Context: An AP platform wants to mirror scheduled Bill Pay payments and flag duplicates. Data / API: /billpay/payments with webhook payment.scheduled, plus /billpay/payees snapshot. OpenBanking mapping: uses a read-only payment-initiation-adjacent grant so the downstream system observes but does not move money.

4. Remote-deposit auditing

Context: A franchise operator deposits store checks daily via the PCB Mobile camera and wants a central dashboard. Data / API: /deposits list + deposit.status_changed webhook. OpenData mapping: a deposit item is exposed as a composite resource (image + metadata + hold schedule) so it can feed into an internal anti-fraud model.

5. Treasury & multi-bank aggregation

Context: A regional accounting firm consolidates balances across several Oklahoma community banks for its clients. Data / API: a unified /openbanking/accounts facade emits FDX-shaped JSON regardless of whether the source is the Apiture Xpress platform (PCB Mobile) or another core. OpenBanking mapping: FDX API v6.4 resource model is the single contract.

1) Authorization handshake (OAuth 2.0 + MFA)

POST /api/v1/pcb/auth/token
Content-Type: application/json

{
  "grant_type": "password",
  "username": "<CUSTOMER_ID>",
  "password": "<SECRET>",
  "device_id": "dev_3f7a...",
  "mfa_channel": "biometric"
}

HTTP/1.1 200 OK
{
  "access_token":  "eyJhbGciOi...",
  "refresh_token": "rt_9d1c...",
  "expires_in":    900,
  "scope":         "accounts.read transactions.read billpay.read deposits.write",
  "mfa_status":    "satisfied"
}

2) Transaction history query

GET /api/v1/pcb/accounts/{account_id}/transactions
  ?from_date=2025-09-01
  &to_date=2025-09-30
  &min_amount=50
  &check_number=10234
  &cursor=eyJwIjoy...
Authorization: Bearer <ACCESS_TOKEN>

HTTP/1.1 200 OK
{
  "items": [
    {
      "id": "txn_7f2c",
      "posted_at": "2025-09-18T14:02:11Z",
      "amount": -125.34,
      "currency": "USD",
      "description": "ACH DEBIT - UTILITY",
      "check_number": null,
      "status": "posted"
    }
  ],
  "next_cursor": "eyJwIjoz...",
  "fdx_mapping": "Transactions.v6_4"
}

3) Mobile check deposit + webhook

POST /api/v1/pcb/deposits
Authorization: Bearer <ACCESS_TOKEN>
Idempotency-Key: dep_2025-10-02_001

{
  "account_id":   "acct_0012",
  "amount":       482.15,
  "front_image":  "<BASE64_JPG>",
  "back_image":   "<BASE64_JPG>",
  "memo":         "Customer refund"
}

HTTP/1.1 202 Accepted
{ "deposit_id": "dep_9a12", "state": "pending_review" }

# Later, async callback to your webhook:
POST https://your.app/webhooks/pcb
{
  "event": "deposit.status_changed",
  "deposit_id": "dep_9a12",
  "state": "accepted",
  "available_on": "2025-10-04"
}

Compliance & privacy

Every integration is built on explicit customer authorization. Because PCB Mobile is a US community-bank app, we align deliveries with the CFPB Personal Financial Data Rights rule (Section 1033) and the FDX API standard — recognized by the CFPB as a standard-setting body in January 2025 and currently at version 6.4 (Spring 2025). Credential handling follows GLBA Safeguards Rule expectations, and we support state-level privacy statutes where applicable. Consent records, scope lists and token revocations are logged for audit.

Data flow / architecture

A typical pipeline has four nodes:

• Client App — PCB Mobile on Android/iOS (Apiture Xpress runtime)
• Ingestion / API adapter — our protocol layer that handles OAuth, MFA replay and rate-limit smoothing
• Normalization & storage — FDX-shaped JSON persisted with per-customer consent scopes
• Analytics / API output — REST endpoints, webhooks and scheduled exports (CSV / Parquet)

Market positioning & user profile

Payne County Bank is an Oklahoma community bank serving Perkins and surrounding towns; its PCB Mobile app is consumed primarily by retail customers, local farmers and small-business owners on both Android and iOS. The App Store listing currently shows a 4.8-star rating across 500+ reviews. The buyer for an API integration is typically a fintech serving this segment (ag-lending platforms, local AP/AR tools, regional accounting firms) rather than the bank itself — which is why our deliverables ship in a form that can be re-hosted by the integrator.

What we deliver

• OpenAPI 3.1 specification aligned to FDX v6.4 resource shapes
• Protocol & authorization report (session chain, device binding, MFA replay handling)
• Runnable Python / Node.js source code for auth, accounts, transactions, bill pay and deposits
• Automated integration tests + Postman collection
• Compliance notes (CFPB 1033 consent flow, GLBA Safeguards checklist, retention/log policy)

Engagement workflow

1. Scope call — confirm which data types and scenarios matter (e.g. transactions only vs. full FDX surface)
2. Protocol analysis & API design — 2–5 business days
3. Implementation & internal validation — 3–8 business days
4. Docs, sample clients & test plan — 1–2 business days
5. Handover & acceptance testing — payment on satisfaction for the source-code model

About our studio

We are an independent technical services studio focused on App interface integration, authorization-protocol analysis and OpenBanking data extraction for overseas clients. Our engineers have hands-on backgrounds in fintech backends, mobile protocol reverse engineering and cloud-native API platforms, and have delivered integrations across retail banking, payments, e-commerce, travel and social verticals.

• Two engagement models: source-code delivery from $300 (pay after acceptance) or pay-per-call access to our hosted endpoints with no upfront fee
• Region-aware compliance: FDX / CFPB 1033 in the US, PSD2 in the EU, OpenBanking UK, plus APAC market practice
• Coverage across Android + iOS, with delivery in Python, Node.js or Go as needed
• Every engagement ships with a signed technical report, test plan and documented consent-capture pattern

Contact

Share your target app and requirements; we return a written scope, fixed price and timeline within one business day. Use the link below to reach the contact form.

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For PCB Mobile specifically, please note that we build on authorized customer access; we do not bypass the bank's controls.